OppFi Cash Flow Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Net Income	121.78	83.84	39.48	3.34	89.8	77.52
Depreciation & Amortization	6.52	9.62	12.74	13.58	10.28	6.73
Stock-Based Compensation	9.37	5.27	4.07	3.35	3.01	0.14
Other Adjustments	243.87	218.27	241.91	232.37	60.32	92.73
Change in Receivables	-4.93	-0.29	-2.26	-5.15	-2.75	5.89
Changes in Accounts Payable	-1.54	-3.56	-1.9	0.24	3.44	-3.37
Changes in Accrued Expenses	4.73	10.41	-1.37	-4.88	8.22	7.23
Changes in Other Operating Activities	1.51	0.25	3.48	0.45	-4.97	5.24
Operating Cash Flow	378.99	323.81	296.15	243.3	167.35	192.11
Operating Cash Flow Growth	21.53%	9.34%	21.72%	45.39%	-12.89%	29.00%
Capital Expenditures	-18.62	-13.01	-8.99	-13.25	-14.37	-10.72
Other Investing Activities	-272.64	-230.43	-235.3	-303.99	-185.1	-87.59
Investing Cash Flow	-291.25	-243.44	-244.29	-317.24	-199.47	-98.31
Short-Term Debt Repaid	30.43	4.17	-15.75	69.42	6.42	-1.38
Net Short-Term Debt Issued (Repaid)	30.43	4.17	-15.75	69.42	6.42	-1.38
Long-Term Debt Issued	-	-	-	-	120.94	-64.59
Long-Term Debt Repaid	-40	-20	-	-	-4	-
Net Long-Term Debt Issued (Repaid)	-40	-20	-	-	116.94	-64.59
Issuance of Common Stock	0.56	0.29	0.39	0.13	92.06	-
Repurchase of Common Stock	-11.81	-4.89	-0.28	-2.46	-	-
Net Common Stock Issued (Repurchased)	-11.25	-4.59	0.11	-2.34	92.06	-
Common Dividends Paid	-61.81	-44.77	-10.23	-1.31	-51.02	-15.78
Other Financing Activities	-6.48	-0.83	-1.71	-4.52	-115.57	-2.37
Financing Cash Flow	-86.77	-66.02	-27.58	61.26	48.83	-84.12
Net Cash Flow	0.96	14.35	24.27	-12.69	16.71	9.68
Free Cash Flow	360.37	310.8	287.16	230.05	152.97	181.39
Free Cash Flow Growth	15.95%	8.23%	24.82%	50.38%	-15.67%	27.49%
FCF Margin	62.83%	59.09%	56.42%	50.80%	43.64%	62.33%
Free Cash Flow Per Share	6.38	15.43	17.52	2.73	1.81	57.75
Levered Free Cash Flow	-13.09	-4.87	-12.79	72.65	151.52	16.65
Unlevered Free Cash Flow	148.31	136.28	91.87	27.56	83.83	103.85

Updated Nov 6, 2025. Data Source: Fiscal.ai. Standard template. Financial Sources.

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